Legal analysis: You can negotiate the repayment with the bank, and you have been suspected of credit card fraud. If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, you will be prosecuted for credit card fraud and malicious overdrafts, and the court will force you to do so. implement. If you refuse to repay after prosecution and the amount owed exceeds RMB 10,000, the court will impose a sentence based on the crime of credit card fraud, Article 196 of the Criminal Law.

Legal basis: "Criminal Law of the People's Republic of China" Article 266 Whoever defrauds public or private property, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or surveillance, and shall also be sentenced to or A fine shall be imposed alone; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment and shall also be fined. money or confiscation of property. If this law provides otherwise, the provisions shall prevail.